Djamo

Djamo is a mobile-first fintech serving Côte d'Ivoire and Sénégal, giving 1.5M+ users current and savings accounts with an IBAN, virtual and physical Visa cards, money transfers to Mobile Money and bank accounts, bill payments, short-term credit, and BRVM investment products. For businesses, Djamo exposes a REST Business API that lets companies collect payments ("Pay with Djamo"), send single and mass transfers to recipients by phone number, check their real-time balance, and manage marketplace sub-companies, secured with bearer tokens and HMAC-signed webhooks. Djamo is a Y Combinator alumnus backed by investors including Partech.

Djamo publishes 1 API on the APIs.io network: Business API. Tagged areas include Company, Financial-Services, Fintech, Payments, and Banking.

The Djamo catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Djamo’s developer surface includes pricing, signup flow, engineering blog, support, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

42.6/100 developing ▬ flat Agent 24/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

1 APIs

Company Financial-Services Fintech Payments Banking Money Transfer AfricaCôte d'IvoireSénégal

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 42.6/100 · developing

Contract Quality 9.5 / 21

Developer Ergonomics 11.2 / 17

Access Clarity 7.6 / 17

Operational Transparency 0.9 / 11

Contract Governance 0.5 / 10

Discoverability 6.5 / 9

Regulatory Posture 4.7 / 15

Agent readiness — 24/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/djamo: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Djamo Business API

REST API for businesses to collect payments, send single and mass transfers, check balance, manage sub-companies, and receive HMAC-signed webhooks.

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Djamo Business API Webhooks

Server-to-server webhook events emitted by the Djamo Business API for transaction lifecycle and charge status changes. Each delivery is signed with an HMAC-SHA256 signature (bas...

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Djamo Authentication

http · 2 schemes

SECURITY

Djamo Domain Security

TLSv1.3

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

SignUp

SignUp

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: djamo
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/djamo.png
name: Djamo
description: Djamo is a mobile-first fintech serving Côte d'Ivoire and Sénégal, giving 1.5M+ users current and savings accounts
  with an IBAN, virtual and physical Visa cards, money transfers to Mobile Money and bank accounts, bill payments, short-term
  credit, and BRVM investment products. For businesses, Djamo exposes a REST Business API that lets companies collect payments
  ("Pay with Djamo"), send single and mass transfers to recipients by phone number, check their real-time balance, and manage
  marketplace sub-companies, secured with bearer tokens and HMAC-signed webhooks. Djamo is a Y Combinator alumnus backed by
  investors including Partech.
url: https://raw.githubusercontent.com/api-evangelist/djamo/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- partech
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Financial-Services
- Fintech
- Payments
- Banking
- Money Transfer
- Africa
- Côte d'Ivoire
- Sénégal
tags_raw:
- Company
- Financial Services
- Fintech
- Payments
- Banking
- Money Transfer
- Africa
- Côte d'Ivoire
- Sénégal
apis:
- name: Djamo Business API
  description: REST API for businesses to collect payments, send single and mass transfers, check balance, manage sub-companies,
    and receive HMAC-signed webhooks.
  humanURL: https://docs.djamo.com/
  baseURL: https://api-civ.djamo.com
  tags:
  - Payments
  - Transfers
  - Fintech
  properties:
  - type: Documentation
    url: https://docs.djamo.com/
  - type: APIReference
    url: https://docs.djamo.com/api/overview.html
  - type: GettingStarted
    url: https://docs.djamo.com/basics.html
  - type: Authentication
    url: authentication/djamo-authentication.yml
  - type: Conventions
    url: conventions/djamo-conventions.yml
  - type: Idempotency
    url: conventions/djamo-conventions.yml
  - type: ErrorCatalog
    url: errors/djamo-problem-types.yml
  - type: Lifecycle
    url: lifecycle/djamo-lifecycle.yml
  - type: Conformance
    url: conformance/djamo-conformance.yml
  - type: Sandbox
    url: sandbox/djamo-sandbox.yml
  - type: DataModel
    url: data-model/djamo-data-model.yml
  - type: X-MCPServerCandidate
    url: mcp/djamo-mcp.yml
    note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list
      derived from the published API contracts, not an existing server. The scorer already read the manifest and reported
      mcp_server correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
  - type: LLMsTxt
    url: llms/djamo-llms.txt
  - type: AsyncAPI
    url: asyncapi/djamo-webhooks-asyncapi.yml
  - type: Webhooks
    url: asyncapi/djamo-webhooks-asyncapi.yml
  - type: AgentSkill
    url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/djamo-domain-security.yml
- type: Website
  url: https://www.djamo.com/
- type: DeveloperPortal
  url: https://docs.djamo.com/
- type: Pricing
  url: https://www.djamo.com/fr-ci/tarifs-business
- type: SignUp
  url: https://go.djamo.com/app
- type: TermsOfService
  url: https://www.djamo.com/fr-ci/conditions-generales-et-tarifaires
- type: PrivacyPolicy
  url: https://www.djamo.com/fr-ci/politique-de-confidentialite
- type: Blog
  url: https://www.djamo.com/fr-ci/apprendre
- type: Support
  url: https://docs.djamo.com/contact.html
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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